Tommy Kilpatrick challenges the assumptions behind “credit card debt,” drawing a hard line between invoices and statements, and show how language can shift the burden of proof back to the bank. We share tactics, limits, and ways to clean reports and rebuild credit while urging third-party verification.

• origin story: media deal collapse, lawsuits, credit report fallout
• law as language: using the word alleged to reframe debt
• statement vs invoice: why invoices document true obligations
• true store credit with itemized invoices vs bank-issued cards
• how banks acquire customers with gifts and fees
• where this does not apply: auto, mortgage, secured loans, telecom
• tactics: CPA and attorney letters, regulatory complaints
• litigation posture: counter complaints, injunctions, depositions
• credit hygiene: closing accounts correctly and removing lates
• credit rebuilding: low utilization, on-time payments, installment mix

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Check out Tommy Kilpatrick's website at

https://free-mobile-report.netlify.app/

Tommy Kilpatrick found that of 185 PodMatch hosts with AI in their profile only 4 had an interactive AI bot and 8 had voice mail. All websites could not pass the mobile efficiency test, meaning most people use their phone and these sites would load slow or were too complicated for the tiny phone screen.

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